got my refund back!

i heard last night that revenue canada needs to order 20 million envelopes in a hurry... good thing i got my refund back. i am now inspired to try to save up to a million dollars but at this rate... i'll b 70 yrs.... cos i still have to pay off the house.

i currently save $710 for my rrsps and $100 for my non rrsps every month but that doesn't seem enough. either i have to make more money or save even more and i have to find better investments.

seeing as how i missed out on buying a house in my 20s, i am a little frustrated at myself.... i read enough to truely believe that stocks/mutual funds will appreciate over a 35 yr horizon quicker tahn real estate. but since real estate has taken a huge upswing for the last 5 yrs, it has far outpaced any mutual fund return. i still have a small investment with the team and that too is atleast locked in for 5 yrs. i guess i am too conservative. i will make my million the old old fashion way. saving a little once every 2 weeks. i know i won't have a boat or a rolex unless i get it at a junk yard or garage sale but i fear the water and i don't use a wtach so this works out.

i suppose if i worked hardedeto get a higher paying job, i would be able to achieve my goal sooner. this is something ia m looking into. yes, all the books say get a raise first.... and then switch to another job that u love if that isn't possible.

so do i slowly choose to accumulate weath ( the easiest way) and wait until i am old feeble and grey or take a higher risk now to be even more aggressive (taking out an investment loan).

i 'm gonna have to think about this one. dollar cost averaging fits my risk tolearnce. leveraging will keep me up at night. mind u the mortgage is keeping me up at night. i guess i have to get used to it. i'm gonna have to call vicky one of these days. that or do it myself.